Jenny Holly Hansen

One of the most misunderstood policy provisions in commercial insurance is the USA Work, Sales & Jurisdiction Exclusion. It’s often buried in policy wording, rarely discussed when placing coverage. Let's talk about it.

Environment and Climate Change Canada (ECCC) has issued an important safety warning for mechanical contractors, HVAC technicians, and refrigerant service providers across Canada. Counterfeit refrigerant cylinders falsely labelled as R-410A have been identified in circulation. Let's talk about it.

Faulty workmanship coverage protects contractors from the additional costs required to repair or replace damage that arises directly from their own work when that work doesn’t meet the required standards or specifications. Let's talk about it.

What surprises many organizations is that snow removal is often excluded from standard insurance policies, and adding it back in can dramatically raise premiums and possibly make them uninsurable.

Beneath our feet lies a complex network of electrical lines, water mains, gas pipes, and communication cables that keep modern business running. Yet, many building owners are unaware that these unseen systems come with specific insurance considerations. Let's talk about it.

Faulty workmanship coverage protects you when your completed or ongoing work unintentionally causes damage that needs to be repaired or redone. In other words, it covers the additional costs to fix the damage that arises from your own work - not just someone else’s. Let's talk about it.

When you’re on a job site, welding, cutting, or grinding is just part of the work. these everyday activities can trigger one of the most commonly overlooked clauses in a commercial insurance policy. Let's talk about it.

What often gets overlooked are the fine-print exclusions. Yet these provisions can significantly affect your ability to operate. Let's talk about Sanction Limitations and Exclusions.